JACKSONVILLE, Fla. -- These five items just scratch the surface of areas that the looming government shutdown could affect. Most of these areas have a direct impact on you.

U.S. Mail

Will I still get mail?

Answer: Yes you will. U.S. Postal Service mail delivery would keep going. The USPS doesn't receive tax dollars for every day operations. The money to keep going day-to-day comes from stamps and other postal fees. Unfortunately, that means you'll still get junk mail!

Bureau of Tobacco, Alcohol, Firearms and Explosives

What about my guns?

Answer: Say you come to a place like St. Nicholas Gun and Sporting Goods and buy a gun. A possible shutdown would affect the Bureau of Alcohol, Tobacco, Firearms and Explosives. Basically, that means the gun permit you need and want processed may not happen quickly.

Military Payments

If I'm in the military, will I get a paycheck?

Answer: The short answer is yes. You will get a paycheck, but it could be delayed. The nation's active duty personnel would stay on duty, though some of the Department of Defense's civilian employees could be furloughed. This Saturday, the House passed a measure that would make sure military personnel continue to be paid, that measure still has to go through the Senate.

Loans

If you're a first-time home buyer looking for a government loan, you'd have to wait.

Movement on government loans to small businesses would be suspended.

During a shut down, the Federal Housing Administration would not approve any new loans

Entitlements

It's not all negative.

If you receive entitlements or benefits including: Social Security, Medicare or Unemployment, you should be OK. Those payments would be expected to keep coming. The only hiccup could be a delay in processing new disability applications.